If you are wondering about can you start investing with IDR 100.000? The answer is yes!

Now you can start investing in Mutual Funds product which is only IDR 100.000.

What is Mutual Funds? Mutual Funds is a place to gather funds from financier society which will be invested in Security portfolio by Investment Manager.

Mutual Funds has several types based on its investment portfolio, which are :
•   Mutual Funds Money Market
Mutual Funds which will only invest in Security as a debt that will due in less than 1 (one) year.
•   Mutual Funds Fixed Income
Mutual Funds which invest at least 80% (eighty percent) from its assets in security as a debt.
•   Mixed Mutual Funds
This type of Mutual Funds invest in Security as an Equity and Security as a Debt.
•   Mutual Funds Stock
Mutual Funds which invest at least 80% (eighty percent) from its assets in security as an equity.

Then, what are the benefits that will we get from investing in Mutual Funds?
•   Managed professionally
Managed professionally by Investment Manager of PT. Panin Asset Management and PT Bahana TCW Investment Management.
•   Investment Diversification
Funds will be managed with diversification in several investing instruments, the diversification is aimed at reducing investment risk.
•   Transparent Information
Information availability related to NAB, Fund Fact Sheet, and Prospectus which can be accessed easily
•   Liquidity
Mutual Fund Holder can sell their mutual funds every exchange day.
•   Easy Investment Access
Direct transaction can be done in Panin Bank Application or Branch Office of Panin Bank.

Things to take note that there are also a few risks in Mutual Funds product, which are :
•   Participation Units value reduction
The reduction is caused by :

1. The market condition changes (interest rate, inflation, etc) which will cause price fluctuation / security return rate.
2. Default from securities issuer or other related mutual funds parties.
3. Force Majeure experienced by securities issuer or other related mutual funds parties as regulated in Stock Market regulation.

•   Political and Economical Conditions Changes
Business industry performance is influenced by economical conditions, regulation conditions, and business climate in those sectors. The government regulation changes related to macro economy, business world, and taxes may influence the economy condition and investment business industry performance which later can affect the return rate and investment result earned by mutual funds.
•   Liquidity
If all or majority of participation unit holders simultaneously do resale to Investment Manager, the investment manager may not be able to provide cash immediately to pay off the Participation Unit Resale. When force majeure conditions happen, Investment Manager may decline the Participation Unit Resale based on the terms and conditions written in Collective Investment Contract and OJK Regulation.

After finding out what are mutual funds, types of mutual funds, benefits and its risk, let’s start investing right now.

Sources :
-    https://www.idx.co.id/produk/reksa-dana/
-    https://reksadanacommunity.com/jenis-jenis-reksa-dana/